I can barely, barely afford the apartment I rent; I could have a lot more experiences AND things if I had lower rent. I worried incessantly about whether my sister/roommate and I had chosen the right apartment… until we moved in. It’s probably my favorite place I’ve ever lived. It’s such a relief to live somewhere that feels happy and beautiful and safe. Everything is in good repair. We have no significant worries about being robbed. We look out the window at a courtyard with flowers and a fountain and we smile every time. I don’t know if you’d call your living space a thing or an experience — it’s kind of both — but some things are definitely worth paying for.